Alliance Digital SME Cash Flow Financing

Accelerate Your Business Growth

Boost your company’s cash flow for growth and expansion. Collateral free business financing up to RM1,000,000. Apply online within minutes!
Alliance Digital SME Cash Flow Financing

Benefits of Digital SME Cash Flow Financing

  • Collateral free financing of RM201,000 up to RM1,000,000
  • Up to 7 years to repay
  • Access funds within weeks*
  • Affordable rate as low as BLR + 3.0% p.a.*
  • No Branch visits required
  • No hidden fees & charges

*Terms and conditions apply

Does your business qualify?

  • Business registered in Malaysia
  • Annual business sales revenue of at least RM500,000
  • For Sole Prop, Partnership and Private Limited Companies (Sdn Bhd)
  • In business for at least 3 years


  • Company Owner/Director/Shareholder to apply
  • Minimum 51% shareholding by Malaysians
  • Latest 6 months company bank statements*
  • Joint and Several Guarantee is required (Sdn Bhd only)

*Other supporting documents may be required, subject to the Bank's discretion.

Loan Calculator

Alliance Digital SME Cash Flow Financing

Financing Amount

RM 350,000
201,000 1,000,000

To be paid over

5 year(s)
3 year 7 years

Indicative interest/profit rate

10.00 (% pa)
9.67 10.17
Estimated monthly payment


Results from the calculation are provided as a guide and do not constitute an offer

Apply in 3 simple steps

Complete information on the web-form in just few minutes!
Upload company's bank statement along with NRIC. Additional documents may be requested subject to the Bank's decision.
Attend a virtual interview once your application is shortlisted.
Accept our offer!

Frequently Asked Questions (FAQ)

Yes, it may.

Yes, it may.

Yes, it may.

Company/business with directors/shareholders/ business owners between the age of 21-65 years old are encouraged to apply.

It is encouraged to submit both bank accounts to support and increase the chances of approval.

Yes, it may

The Bank will look at past 12 months records.

Yes, it may. Any delay in personal loan repayment by a director/shareholder/business owner may affect the loan application.

Yes, it may. Business owner’s consistent repayment of his/her credit card(s) will strengthen their chances to obtain approval.

Yes, it may have impact on obtaining new credit in light of the overall high commitment of the company/business and its director/shareholder/business owner who are guarantors.

Financing amount: Above RM200,000 up to RM1,000,000

Tenure: Minimum 3 years up to 7 years

Interest Rate: Approximately between BLR+ 3.0% p.a. to 3.5% p.a. (The interest rate quoted and/or prescribed by the Bank is subject to the Bank’s right to vary the same from time to time with prior notice to you)

BLR: Base Lending Rate

Stamp Duty: A flat rate of 0.5% on the loan amount or such other rate prescribed under the Stamp Act, 1949 (as amended or re-enacted from time to time)

Documentation Fee: Waived.

Note: Kindly be informed that Alliance Bank does not appoint any third party to act on its behalf for Alliance Digital SME loan application. No handling fee/commission is required to be paid to any agent/advisors/consultants and/or Alliance Bank employees.

All business industries are encouraged to apply. However, approval is subject to the Bank's credit assessment.

Upon submission, you can track your application status online here. The review process for loans of RM200,000 and above may take at least up to 2 weeks subject to the Bank’s credit assessment process.

Yes, you may need to provide additional documents as and when requested by the Bank as it deems necessary for processing the application.


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